We noticed some questions around the differences between card details on the virtual and physical cards before the physical card is activated, so we’re here to clear things up!
Your CVC (Card Verification Code) and Valid Through date protect your purchases, acting like your card’s personal bodyguards. Until you activate your physical card, the CVC and expiry date on your virtual card will be different. Here’s why:
- For Extra Security: This difference ensures that your virtual card can only be used in the app, on websites, or for tap transactions. Once you activate your physical card, your virtual card’s CVC and expiry date will automatically update on the Neo app and website to match each other.
While it may seem like a small difference, it’s all about keeping your card and transactions extra secure!
How to Use Your Neo Financial Virtual Card 
Ready to unlock the convenience of your Neo Financial Virtual Card? Here’s how to get started:
1. Generate Your Virtual Card: Head to the Cards tab on the website or find your card in your account on the Neo app. No need to wait for the mail, your virtual card is ready to go!
2. Add to Your Mobile Wallet: Simply drop your virtual card into wallet apps like Apple Pay or Google Pay for seamless payments.
3. Shop ‘Til You Drop (Safely!): Make online purchases in just a few clicks and use your mobile wallet for tap payments. Remember, there’s a $250 tap limit per transaction. Perfect for everything from shopping sprees to streaming services.
4. Track and Control: Monitor your spending in real-time via the Neo Financial app or website. Instant updates give you total control over your purchases.
No physical card? No problem! Your virtual card is ready in seconds, so you can shop securely anytime, anywhere. Need help? Check out this tutorial on how to access your virtual card!
What Happens After You Activate Your Physical Card?
Not sure how to activate your card? No worries! Check out our community article here for a step-by-step guide!
Once you activate your physical card, your virtual card will automatically update to match it, ensuring everything stays in sync. This creates a seamless, consistent experience across both cards, keeping your finances smooth and secure.
Why Should You Use a Virtual Card? 
There are plenty of reasons to love your Neo Financial Virtual Card, and we’re here to share them with you!
- Instant Gratification: No need to wait for a card to arrive. Your virtual card is ready to use as soon as it’s created.
- Track Your Spending Like a Pro: Get real-time updates on every purchase, giving you full control over your budget and peace of mind.
- Perfect for Subscriptions & Online Shopping: Use your virtual card for anything from monthly subscriptions to spontaneous online shopping sprees.
What other tips or tricks are you curious about? Let’s talk about it 